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Adviser Underwriting Centre

The simple way to improve your underwriting knowledge

Medical learning zone

Knowing about the human body and the conditions that can affect it can be a big help for advisers. Armed with this information, you'll be able to better understand any conditions your clients have and complete their application forms more accurately.

  • Brush up your knowledge of a particular area of the body and the medical conditions that affect it.
  • Once you're ready, take the test to find out how much you know – and gain a certificate for your records

Test your medical knowledge

  • Gain a certificate for your personal records. (non-accredited.)
  • No registration necessary.
  • Highlights any areas for improvement
Take the test

Brush up your knowledge

The information sheets below tell you more about a particular area of the body or any other factors. Each PDF link opens in a new window.

Information Sheet Description Key areas/conditions covered
Alcohol (PDF 78.1kb) The amount of alcohol a person drinks can affect how we handle their protection application. Effects of excessive drinking; implications for life, critical illness and income protection insurance.
Build (PDF 126kb) A person's body size, muscle mass and body fat can have a significant bearing on the conditions to which they're susceptible. Body mass index (BMI), obesity, underweight.
Central Nervous System (PDF 100kb) Includes the brain and spinal cord. Epilepsy, multiple sclerosis, shingles, spinal injuries.
Digestive System (PDF 156kb) The digestive tract runs from the mouth to the anus. Cirrhosis of the liver, cholecystitis, Crohn's disease, haemorrhoids, hepatitis, hernia, irritable bowel syndrome (IBS), peptic ulceration, ulcerative colitis.
Drugs (PDF 41.6kb) The different types of drugs available, and the implications of drug abuse for protection applications. Risks of drug abuse; types of drugs; implications for life, critical illness and income protection insurance.
Endocrine System (PDF 387kb) Consists of glands that control the body's activities. Hyperthyroidism, diabetes.
Mental Illness (PDF 46.3kb) Mental disorders cause a person's mind to become disturbed, and can vary greatly in their severity. Psychoneurosis, psychosis, manic depression, schizophrenia.
Musculoskeletal System (PDF 127kb) Provides form, stability and the ability to move. Can be affected by conditions including knee disorders and osteoporosis. Arthritis, back pain, cervical spondylosis, hip disorders, knee disorders, lumbar stenosis, osteoporosis, shoulder disorders, whiplash.
Respiratory System (PDF 1.1Mb) Supplies the body with oxygen and eliminates carbon dioxide waste. Asthma, bronchitis, bronchiectasis, emphysema, pneumonconiosis, pneumonia.
Smoking (PDF 41.6kb) The detrimental affects of smoking are well known, so it's important to disclose correct smoker-status information. Smoking facts; health implications; implications for life, critical illness and income protection insurance.
Tumours (PDF 120kb) An abnormal mass of tissue which grows at a different rate to the tissues around it. Can be cancerous. Malignant tumours (cancer or carcinoma), benign tumours.
Financial Underwriting (PDF 38.6kb) A brief description of financial underwriting and why we need to do it.
Residence and Travel (PDF 40.5kb) An explanation of why we ask about foreign travel and residence in protection applications.